ZIP Code 95242 — Lodi, California

The median home in 95242 is valued at $518,400 against a median household income of $96,161, a price-to-income ratio of 5.4. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within San Joaquin County, 95242 ranks 12 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 22.6% of median household income (median rent $1,815 a month), under the 30% cost-burden threshold.

95242 ranks 629 of 1,558 statewide on median household income and 909 of 1,558 on median home value; its income is above the $85,098 San Joaquin County median. 68% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 30% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 7.6%, below the 10.8% statewide ZIP median. Unemployment stands at 8.5%.

With 302 residents per square mile across 90.9 square miles of land, 95242 is far less dense than the statewide ZIP median of 1,120 (rank 983 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.